You probably already know this, but car-insurance rates, like everything else in the Bay Area, are going through the roof.

A new study by The Zebra, which calls itself the largest insurance-pricing site around, shows rates at an all-time high around the country while they’re up more than 45 percent since 2011 here in the San Jose/San Francisco/Oakland metro region.

The survey found that California’s average annual car insurance premium now stands at $1,713, while Bay Area drivers pay about the same as the state average, with an average regional premium of $1,704.

Now for the fun part. If you live in one of these Bay Area neighborhoods, The Zebra says you’re paying the highest rates of all:

94621 Oakland

94601 Oakland

94124 San Francisco

94612 Oakland

94102 San Francisco

94606 Oakland

94603 Oakland

94134 San Francisco

94607 Oakland

94130 San Francisco

And now for those lucky souls who The Zebra says are paying the least for coverage:

94305 Stanford

94040 Mountain View

94024 Los Altos

94041 Mountain View

94550 Livermore

94087 Sunnyvale

95037 Morgan Hill

94304 Palo Alto

94022 Los Altos

94043 Mountain View

So why are rates rising in our area?

“San Jose-area residents are exposed to a high amount of traffic which leads to increased exposure to accidents,” says The Zebra founder and executive chairman Adam Lyons. “With a trend in decreased gas prices, more people are on the road which leads to more accidents and more claims. Dense population, crime, and weather events such as mudslides and wildfires in the state can all contribute to higher premiums.”

The Zebra scrapped its local data from 238 zip codes which include 114 cities. These reports were run using a base risk profile of a 30-year-old single male driving a 2013 Honda Accord EX. You can read more about the report here.

Patrick May is an award-winning writer for the Bay Area News Group working with the business desk as a general assignment reporter. Over his 34 years in daily newspapers, he has traveled overseas and around the nation, covering wars and natural disasters, writing both breaking news stories and human-interest features. He has won numerous national and regional writing awards during his years as a reporter, 17 of them spent at the Miami Herald.

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